First Interactions

This page walks you through the simplest and most common actions on KiloLend. If you’re new to DeFi, this is the best place to start.

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1. Supply Tokens & Earn Yield

Supplying tokens is the easiest way to start earning yield on KiloLend.

Desktop Web Dapp

1. Go to Markets

2. Select a market (e.g. USDT, KAIA, BORA)

3. Click Supply to enter the dedicated market page

4. Enter the amount

5. Click Preview Supply to review:

   • Estimated APY

   • Supply balance after deposit

6. Confirm the transaction

LINE Mini Dapp

1. Open the Supply icon from the main interface

2. Select a token

3. Enter the amount

4. Click Next and confirm

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2. Borrow Against Your Assets

After supplying assets to KiloLend, you optionally unlock the ability to borrow.

Borrowing allows you to access liquidity without selling your collateral, and can be used for various purposes such as:

• Short-term liquidity

• Swapping into other tokens

• Increasing exposure

• Advanced strategies

How Borrowing Works

• Your supplied assets act as collateral

• Each asset has a Loan-to-Value (LTV) limit

• You can borrow up to a safe percentage of your collateral value

• Borrowed assets accrue borrow interest (APR) over time

Borrow Rates

• Borrow rates are variable

• They adjust dynamically based on:

  • Market utilization

  • Supply and demand for each asset

You can always preview:

• Current borrow APR

• Maximum borrowable amount

• Estimated impact on your health factor

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3. Portfolio Overview

After supplying or borrowing, you can monitor all your positions from the Portfolio page.

From here, you can view:

• Supplied assets and earned interest

• Borrowed assets and outstanding debt

• Total portfolio value

• Health Factor (HF) — your liquidation safety indicator

Understanding Health Factor

• HF > 1.5 → Safe

• HF close to 1.2 → At risk of liquidation

Your health factor updates automatically based on:

• Supplied and borrowed amounts

• Asset prices

• Interest accrual

This allows you to quickly assess risk without doing any manual calculations.

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4. Repay or Withdraw Assets

You can adjust or close your position at any time by repaying borrowed assets or withdrawing supplied assets.

Repay Borrowed Assets

• Repaying reduces your outstanding debt

• Lowers accrued borrow interest

• Improves your health factor

• Decreases liquidation risk

You can choose to repay:

• Part of your borrowed amount, or

• The full balance to close the borrow position

Withdraw Supplied Assets

When you withdraw supplied assets, you receive:

• Your original principal

• Plus any interest (yield) earned up to that moment

Important notes:

• Yield is accrued continuously and included automatically

• Withdrawals are only allowed if your health factor remains safe

• If you have active borrows, withdrawal limits may apply

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Next: Advanced Strategies with AI DeFi Co-Pilot

The actions above are performed manually using the KiloLend interface. For more advanced use cases, such as:

• Vibe trading

• Yield optimization across markets

• Automated health factor monitoring

• Strategy execution without manual calculations

Continue to the AI DeFi Co-Pilot section to see how these same steps can be executed automatically using high-level instructions.